21705 : Questions & Answers

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Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
We are homeless living in hotels for over a yr. Our credit is bad! We need a home for our family of 5. How? Only have $500 left for deposit.
You are approximately 1 year late with your question. But everyone must start somewhere.
Most communities have first time home owner or affordable housing initiatives. These programs w ... more
0 votes Share Flag Sat Oct 29, 2011 Rental Basics in 21701
Patty Smith,…, Real Estate Pro in Frederick, MD
Patty Smith, Realtor answered:
I'm looking for an agent that works with RE investors. Must be able to think differently & not be embarrassed to submit low offers.
Hi Michael:

I work on a real estate team that works with investors. I would be very happy to let you know how we work. Please e-mail me at pattys@longandfoster.com.

I look ... more
0 votes Share Flag Sun Aug 7, 2011 Home Buying in Frederick
Nick Pakulla, Real Estate Pro in Rockville, MD
Nick Pakulla answered:
Question about the 51% owner occupancy guideline
If the HOA is setup as a condo you will need to meet the condo guidelines no matter what (and this also applies on a conventional 20% down loan). Effectively no one can get a loan in t ... more
0 votes Share Flag Tue Jan 29, 2013 Financing in Frederick
Cathy Chapman…, Real Estate Pro in 21704
Cathy Chapman Realtor Broker answered:
I have been looking at properties in North Crossing - Fieldstone, Harpers, etc. My wife and I would like to know if it is a 'safe'
Hi Bill,

I recommend you check with the police department and ask about crime statistics for this area if you have any concerns.

Cathy Chapman
Signature Home Sales
301-514-6839
0 votes Share Flag Thu Dec 20, 2012 In My Neighborhood in Frederick
Christy L. F…, Real Estate Pro in Bowie, MD
Christy L. Fear answered:
I'm shopping around for the best rate on a 30-year fixed FHA loan. Do I have to apply for mortgages with multiple lenders to get accurate rates?
No you don't....Tenacity is a brokerage firm and I am able to do all of the work for you...you really don't want to have a ton of people pulling your credit etc...please give ... more
0 votes Share Flag Tue Jun 21, 2011 Home Buying in Frederick
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
We contracted with a builder to build a home using FHA financing.
You need to read your contract. If you had an appraisal and financing contingency in the contract and now you removed those contingencies your deposit is in jeopardy.

Contingencies ... more
0 votes Share Flag Tue Aug 2, 2011 Financing in Frederick
Gerard Dunn, Real Estate Pro in Potomac, MD
Gerard Dunn answered:
appraisals for less ?$500 no matter where you look and they jusyt do the comparable routine .
Many appraisers charge dependent upon sales price of a home. The more expensive the home - the more expensive the appraisal.

Often though - they are not making what is being charged ... more
0 votes Share Flag Wed Sep 8, 2010 Financing in Frederick
Staci Johnson, Real Estate Pro in Virginia
Staci Johnson answered:
Is there an HOA or Condo fee for this development?
There are condo fees associated with these properties. They range in price depending on the individual home. Were you interested in seeing one of the properties?
0 votes Share Flag Wed Jul 6, 2011 Home Buying in Commons of Avalon
Maureen D'Ai…, Real Estate Pro in Urbana, MD
Maureen D'Aiutolo answered:
I want to rent out my house in Frederick, MD. Do I need a license or permit to do this?
Hi
No real hoops to jump through, but some basic regulations in place in Maryland that must be followed, including Fair Housing, rental receipts for each month payment, lead paint disc ... more
0 votes Share Flag Fri Aug 15, 2014 Rental Basics in 21701
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
we want to refi, but the mortgage is in his name only, if I add my name to the deed before the refi, will we have to use my credit for the refi
If you are looking to refinance, you should probabily hold off on addiing her to the deed until the refinance is completed. If you just purchased a home, why were you even put in an adj ... more
0 votes Share Flag Fri Aug 13, 2010 Financing in Frederick
James Gordon…, Real Estate Pro in Cincinnati, OH
James Gordon ABR PBD SFR SRS answered:
house value
Jim get in contact with a good Realtor® in your area for a good idea of the value of your home. Let them know that you want an idea of the price that you would have to be at to sell ... more
0 votes Share Flag Sun Aug 1, 2010 Home Selling in 21701
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
I was looking to buy a commercial condo in Frederick, MD, however we found that the claimed sq ft was inflated. Can they legally do it?
You would need to prove they did with teh intent to harm, if you purchased it and proved it you may have a case, but if you only are looking at it, you have not been harmed yet. Unforta ... more
0 votes Share Flag Tue Jul 13, 2010 Home Buying in Frederick
Kirk Craig, Real Estate Pro in Plainfield, IL
Kirk Craig answered:
Buying a home in 6 months, what should I be doing right now?
You should really talk to a mortgage professional. They will be able to help you determine what you can afford. Plus if there are any outstanding items you need to clear up during the 6 ... more
0 votes Share Flag Tue Jun 22, 2010 Home Buying in Frederick
Fred Glick, Real Estate Pro in Los Angeles, CA
Fred Glick answered:
Currently 15-20% underwater, want to sell and upgrade to bigger house. How is this possible?
It's not, sorry.

You may have some options.

You can rent the current place as long as the new mortgage qualifies you with your current payments plus the new one.

You can r ... more
0 votes Share Flag Fri Nov 22, 2013 Home Selling in 21701
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
where on Trulia do I find the value of my home. You have hidden it somewhere.
Jim,

Your best bet is to email a local realtor and have them comp your home. Websites just use raw numbers and generally are off by a decent amount when it comes to pricing. Either ... more
0 votes Share Flag Fri Nov 22, 2013 Market Conditions in 21701
Peter N. Tho…, Real Estate Pro in 21769
Peter N. Thompson answered:
I Will like to know the best area increasing and growing in value in Frederick , MD?
Dear Paola,

If you are thinking Frederick, Urbana is showing signs of stabilizing to increasing value. If you would like me to research a specific area in Frederick, please let me kn ... more
0 votes Share Flag Mon Feb 15, 2010 General Area in Frederick
Voices Member,  in
Voices Member answered:
my exwife will buy a house, i want to help her with my money in the 401k.used my exwife single name
Hello,
That should not be a problem at all. What she would have to do get a gift letter for the lender stating you will be providing the funds. I am a realtor licensed in Md. And Pa. I ... more
0 votes Share Flag Fri Jan 15, 2010 Home Buying in 21702
Cathy Chapman…, Real Estate Pro in 21704
Cathy Chapman Realtor Broker answered:
Is there public transportation from Whittier into D.C. ?
Hi Darius,

Yes, there is public transportation from Frederick into DC via the Marc Train. You would have to drive to one of the two Marc station's in Frederick. I'm not s ... more
0 votes Share Flag Wed Sep 2, 2009 In My Neighborhood in Whittier
Erin Rowley…, Real Estate Pro in Savannah, GA
Erin Rowley Stoner answered:
Where can I find the prices of single family homes that recently sold in my neighborhood. Thanks.
You can check tax records. I am not familiar with the exact site in your area, but it is public record. It may be easier for you to find an agent to share that information. They will lo ... more
0 votes Share Flag Sat Aug 22, 2009 In My Neighborhood in 21703
Fernando Her…, Real Estate Pro in Maryland
Fernando Herboso answered:
why is my home not listed here? It's in the Villages of Urbana.....279,900. bonndance@gmail
You should be asking that question to your listing agent. . . unless you are using a FSBO service that only lists your property in their website. . a little hard to sell if you aren't ... more
0 votes Share Flag Sun Apr 12, 2015 Home Selling in 21704
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